[dontwantthehouse]

Hi Cat,

I asked the rep in the loss mitigation dept about this and she said they would consider the HELOC joint with the 1st mtg.

At the time I refinanced with CW in 2004, the representative had me take a HELOC out for $25k at a variable rate. I honestly don't know why the HELOC was taken because I have never used it just paid it--never requested myself because had no plans to do anything with the home or pay anything else with it. It was what the CW LO who suggested the HELOC as part of my refi at the time. My original outstanding balance was $216k but to refi with CW I had add'l closing costs etc and that was when she suggested to take out the HELOC.

so am I SOL? once again!